The retirement and IRA show represents the words and views of the show hosts exclusively and should not be construed as investment, legal, or tax advice.

All information is believed to be from reliable sources, however, we make no representation as to its completeness or accuracy.

All economic and performance information is historical in nature and is not indicative of any future results.

Any indices mentioned on the show are unmanaged and cannot be invested indirectly.

Diversification and asset allocation strategies do not assure profit or protect against loss.

Never make any investment or financial decisions based on information offered on this show

without first consulting your financial legal or tax advisor.

Financial planning services offered through Jim Solnior and Associates LLC, a registered investment advisor.

Thank you. advisor. This is the retirement and IRA show coming to you from beautiful Northern Colorado.

Join us as certified financial planner Jim Sonier, as well as Colorado State University

Finance instructor and certified financial planner Chris Stein, teach you about IRAs,

boroughen case, annuities, social security, pension plans, and estate planning in a fun and enjoyable show.

Whether you are listening live in Colorado or streaming from their website or iTunes podcast,

Jim and Chris want you to know that they're available to help you plan for your retirement. Just visit their website at

Jim helps.com. That's Jim H-E-L-P-S dot com and click the Meet the Team button on the homepage. Now

here's Jim and Chris with today's show. Well, hello and welcome to

the Retirement and IRA show EDU edition for this week. Welcome everybody and we've got, I'll call it a

special show every time we have a special guest on. That makes it special.'re hosting uh paul from the office here who is one

of our CPAs that works on our tax team we have a group of folks that contribute to uh the tax work

we do in the office and paul is one of the team members and and he had proposed a topic to Jim not long ago,

and today just happened to be the day when everyone's calendars aligned.

And so we're going to dig a little bit into the world of CRTs, not the old televisions,

...